The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$13,999
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,435
−HK$442/mo
Today · 4.125%
HK$14,877
baseline
▲ 0.50% · 4.625%
HK$15,783
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,754/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,574
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,992
−HK$424/mo
Today · 4.125%
HK$16,416
baseline
▲ 0.50% · 4.625%
HK$17,281
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,832/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,799
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,322
−HK$531/mo
Today · 4.125%
HK$17,853
baseline
▲ 0.50% · 4.625%
HK$18,939
+HK$1,086/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$35,706/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,689
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,190
−HK$509/mo
Today · 4.125%
HK$19,699
baseline
▲ 0.50% · 4.625%
HK$20,737
+HK$1,038/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$39,398/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,599
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,209
−HK$619/mo
Today · 4.125%
HK$20,828
baseline
▲ 0.50% · 4.625%
HK$22,096
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,656/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,804
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,389
−HK$593/mo
Today · 4.125%
HK$22,982
baseline
▲ 0.50% · 4.625%
HK$24,193
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,964/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,199
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,983
−HK$796/mo
Today · 4.125%
HK$26,779
baseline
▲ 0.50% · 4.625%
HK$28,409
+HK$1,630/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,558/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$148,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,034
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,786
−HK$762/mo
Today · 4.125%
HK$29,548
baseline
▲ 0.50% · 4.625%
HK$31,106
+HK$1,558/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,096/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$148,943 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).